Pseudoxanthoma Elasticum & Life Insurance
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Pseudoxanthoma elasticum is something that many people live with, but each person can be affected differently. Part of our role is to discuss your individual circumstances to find the right life insurance for yourself.
Things we’d need to know:
- What are your symptoms?
- Do you take medication to control this?
Life insurance for those with pseudoxanthoma elasticum will usually need to be reviewed by the insurance provider on a case by case basis. The insurer will want to see a report from your GP to establish how the condition affects you personally. The insurer often would like to know if there are any complications to the blood vessels, any pain that you experience and any secondary conditions that are present. An insurer requesting a medical report from a GP is quite common practise, so shouldn’t cause you any concern.
It is probable that any cover for Life Insurance that can be made will be at non-standard terms which will involve an increase to the base policy premium.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Critical illness cover for people with pseudoxanthoma elasticum will not generally be available with most standard insurers. Any application that you place for critical illness cover will be reviewed in conjunction with a report from your GP and will include details such as the time since diagnosis, strength of symptoms and treatments in use.
Critical illness cover applications for those with pseudoxanthoma elasticum will need to be assessed on a case by case basis with the insurers senior underwriting team.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for those with pseudoxanthoma elasticum is often unavailable in the standard insurance market. The insurance provider that you approach will want to know if the condition has impacted upon your ability to work, the frequency and strength of your symptoms, and any secondary conditions that you have.
The insurers senior medical underwriting team will review applications on an individual basis for the best possible outcome.
Where income protection is unavailable it may be worthwhile considering accident, sickness and unemployment cover. This type of policy will offer 12-24 months of income replacement if you are unable to work due to disability, long-term illness or involuntary redundancy.
Accident, sickness and unemployment policies are not medically underwritten which means that your pseudoxanthoma elasticum will have no bearing upon the policy acceptance terms. However any claim that you place will exclude pre-existing medical conditions including pseudoxanthoma elasticum.
What is Pseudoxanthoma Elasticum?
Pseudoxanthoma elasticum is an inherited condition that is diagnosed when fragmentation and calcification occurs within the elastic fibres of the skin, causing the skin to take on a cobblestone-like appearance. Affecting more women than men the condition leads to complications within the retinal, dental, cardiovascular and gastrointestinal systems.
Also known as: PXE
Linked with: Joint hypermobility, atherosclerosis, hypertension, coronary artery disease, angina, myocardial infraction, Ehlers-Danlos syndrome, Marfan’s syndrome, Buschke-Ollendorff syndrome, Fe-deficient anaemia, diabetes mellitus, heart attacks
Some potential problems experienced by individuals who have pseudoxanthoma elasticum include:
- Skin lesions
- Retinal haemorrhage
- Mitral valve prolapse
- Mitral regurgitation
- Avoid heavy lifting
- Avoiding contact sports
- Dietary considerations
- Family planning considerations
- Medication considerations
- Regular eye exams
- Self-monitor of visual ability using an Amsler grid
- Self-monitor for signs of gastrointestinal bleeding
- Use of dietary supplements
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